Support Specialist Customer Service

Classification: Internal Use

TIFFANY DORIS

Aurora, CO 720-***-**** *************@*****.*** www.linkedin.com/in/tiffany-doris-2a6ba035

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UNDERWRITING SUPPORT SPECIALIST

Experienced Underwriting Support Specialist Driving Efficiency and Accuracy in Financial Services Results-driven Underwriting Support Specialist with a strong background in the financial industry, particularly at Finance of America Reverse. Demonstrated expertise in providing comprehensive support to underwriters, account executives, the CEO and top management while ensuring the smooth execution of loan underwriting processes. Highly skilled in analyzing financial data, conducting risk assessments, and evaluating loan documents for accuracy and compliance with regulatory guidelines. Proven track record of maintaining a high level of attention to detail while managing multiple tasks and prioritizing deadlines. Proficient in utilizing advanced underwriting software and technology platforms to optimize efficiency and accuracy. Excellent communication and interpersonal skills, enabling effective collaboration with cross-functional teams and providing exceptional customer service. Received the highest accommodations from the clients and internal colleagues for top notch c customer service and excellence in client relations. CORE COMPETENCIES

Reverse Mortgage Loans Strategic Planning Mortgage Loan Processing Credit & Loans Underwriting Mortgage Lending High-end Customer Service Planning & Scheduling Community Outreach Project Management Marketing Research Finance Critical Thinking Pricing Refinance Mortgage Banking Loan Servicing Loss Mitigation File Plan System Budgeting of Assets Wholesale Mortgage Lending Business Development Software Documentation Customer Satisfaction Conflict Resolution

PROFESSIONAL EXPERIENCE

Underwriting Support Specialist: Finance of America Reverse - Remote Nov 2021 – June 2023 Received and retrieved documentation to clear loan conditions. Review and analyze loan documentation, including credit reports, financial statements, and legal documents, to ensure accuracy and completeness. Review and clear conditions. Assess risk factors associated with loan applications, such as creditworthiness, collateral valuation, and market conditions, to make informed underwriting decisions.

• Operated with an understanding of industry regulations to ensure adherence to legal and compliance requirements throughout the production process.

• Directly worked with multiple brokers as the main wholesale mortgage lender correspondent to provide excellent customers and clients customer service along with committed to daily problem solving.

• Analyzed financial statements, cash flow projections, and debt ratios, to evaluate the financial stability of borrowers and assess their ability to repay loans.

• Followed underwriting guidelines, policies, procedures and including FHA guidelines, to ensure loans meet eligibility criteria.

• Interacted with brokers, account executives, and internal stakeholders, providing clear explanations and addressing questions regarding the process and documentation required.

• Identified discrepancies, inconsistencies, and potential red flags in loan applications, ensuring accuracy and minimizing risk.

• Utilized mortgage software’s such as Reverse Vision, Quantum, Link/Mortgage Cadence, and Microsoft Office Suite to streamline processes, manage data, and enhance efficiency.

• Awarded “Presidents Club Retreat” for outstanding work and customer service.

• Volunteered as a Committee Board Member for Finance of America’s nonprofit organization CARES.

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Credit Analyst: Fifth Third Bank Corp – Remote Aug 2020 – Nov 2021 Handled and controlled risks by exchanging ideas and opinions. Plan and implemented new strategies, policies, and procedures for the Credit Analyst startup project. Partner with Underwriting, Closing, Sales, and Upper Management for optimal customer service. Participate and advise within the department on new procedures to help build fluency for new hires.

• Assisted in underwriting conventional loans abiding by VA, Fannie Mae and Freddie Mac.

• Managed productivity requirements related to all decisions on conditions. Notify wholesale partners and update Empower if a condition is satisfied, waived, inappropriate, delete, waive, or to add conditions.

• Reviewed and analyzed loan documents, calculated income, reviewed assets, and analyzed liabilities as per delegated authority.

Tiffany Doris 720-***-**** *************@*****.***

• Served as key contact person for intermediary for loan issues with Loan Originators, Underwriters, and related departments.

• Closely worked with other departments (Underwriting, Closing, Sales, etc.) for optimal customer experience.

• Main liaison between Underwriting, Processing, Closing, and Sales to get a file moved along the most effectively. Owner/Loan Processor: Your Processing Experts – Aurora, CO Oct 2016 – Aug 2018 Request, review, and verify loan documents including income, credit, appraisal, title insurance, etc., and ensure the information is complete, accurate, and complied with company policies as well as meet underwriters' requirements. Enter information into the system, follow up, and communicate with both customers and loan officers to obtain missing or updated documentation.

• Processed FHA, VA, Conventional, and other loan programs such as USDA, Home Equity Lines of Credit, 2nd Mortgages, Home Improvement Loans, Down Payment Assistance, and Bond Programs as well as Reverse Mortgages.

• Communicated clearly and effectively with customers, loan agents, wholesale brokers and lenders and other third parties involved in the mortgage loan transaction and managed an assigned pipeline to meet closing expectations.

• Obtained verification of deposit, verification of employment, and credit report. Prioritized and monitored daily workflow to ensure all loans are being worked by the company's timeline expectations.

• Maintained constant communication with customers and loan agents on status updates and/or changes to the loan.

• Calculated income for all types of borrowers. Requested, obtained, reviewed loan conditions, and submitted to lenders.

• Built and maintained client relationships to build a foundation based on strong core values, and customer satisfaction. Operations Analyst: Wells Fargo Residential Valuation Services – Englewood, CO Aug 2016 – Oct 2016 Responsible for reviewing residential valuations to ensure compliance with established criteria. Reviewed existing projects within Fannie Mae, Freddie Mac, VA, and HUD guidelines and issued the warrant for each project. Gathered all information needed to submit new construction projects for approval. Performed desk review of property valuation products.

• Documented the potential risks and problems while recommending procedures for performance.

• Worked with appraisal management companies to perfect property valuations as needed.

• Guided other staff members regarding property valuation strategies. Guided internal and external partners, regarding documentation and underwriting requirements.

• Conducted reviews of appraisals and other valuation products, by approving or declining the reports. HUD Closing Specialist: Pemco – Denver, CO Feb 2016 – May 2016 Responsible for reviewing pipelines for priority of orders, performing curative on non-closable files, providing information to other Title staff as needed, as well as disbursement of funds and releasing of cleared documents. Assisted and corresponded daily with Listing Brokers, Selling Agents, and Closing Agents related to any closing-related matters. Prepared estimates and signed HUD Settlement Statements.

• Generated and maintained daily closing reports to ensure timely closings on HUD properties for multiple areas.

• Reviewed, executed, and mailed Deeds to the closing agent. Followed up on policy issuance and delivery to the client. Loan Processor: Universal Lending Corporation – Denver, CO Mar 2015 – Oct 2015 Loan Processor: Primary Residential Mortgage – Centennial, CO Jul 2013 – Jan 2015 Loan Processor: Ideal Home Loans – Centennial, CO Jun 2012 – Jul 2013 Senior Loan Processor: Chase Home Mortgage – Englewood, CO Feb 2012 – Jun 2012 Liable for processing contracts and loan applications, as well as, analyzing the loan applications, assessing creditworthiness and the likelihood that a loan applicant will be able to repay the debt, and based on these assessments, making mortgage loan recommendations. Effectively communicated between Loan Originator, Borrowers, Lenders, and Underwriters.

• Mortgage loan processor for multiple Loan Officers. Verified, and compiled application information for mortgage loans.

• Called specified companies to obtain property abstracts, surveys, and appraisals. Informed supervisor of discrepancies in title or survey. Submitted mortgage loan application file for underwriting approval.

• Submitted approved mortgage loan file to the Mortgage Loan Closer for settlement. PROFESSIONAL DEVELOPMENT

Technical Skills: Microsoft Office Suite – Word, Excel Empower Citrix Construction Lending for Windows (CL4W) Ipath Mac OSX and Programs Siebel AS400 System Homesaver LAMP LPS (Loan Processing System) Management Tracking Fund Control Tiffany Doris 720-***-**** *************@*****.*** LIS VA Portal FHA Connection CLOSR Process Scheduler Windows Lotus Notes Encompass Reverse Vision Quantum EAD Portal Link/Mortgage Cadence Plateform Salesforce Credco Quantum EAD Portal Link/Mortgage Cadence

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